Financial and
ESG report 2020

21h. Changes in impairment allowances and gross carrying amount of loans and advances valued at amortised cost divided into stages and classes:

Companies: impairment allowances Stage 1 Stage 2 Stage 3 POCI Total
Balance at the beginning of the period 134 939 34 301 432 938 23 602 201
Transfers between stages (6 180) (4 527) 10 708 0 0
Increase due to granting or purchase 114 579 0 0 0 114 579
Changes in credit risk (110 867) 13 271 200 890 (278) 103 017
Decrease due to derecognition (except exposures sold and written off) (16 158) (1 842) (39 041) 0 (57 041)
Sale of loans and advances 0 0 (5 150) 0 (5 150)
Loans and advances written off 0 0 (136 865) 0 (136 865)
KOIM 0 0 3 397 0 3 397
Other (including FX differences) 1 891 205 2 242 0 4 339
Balance at the end of the period 118 205 41 409 469 120 (255) 628 478

 

Companies: loans and advances balance sheet value, gross Stage 1 Stage 2 Stage 3 POCI Total
Balance at the beginning of the period 16 729 596 1 420 459 858 434 101 19 008 590
Transfers between stages (1 074 637) 591 549 483 088 0 0
Granted or purchased loans and advances 7 913 111 0 0 0 7 913 111
Repaid loans and advances (7 837 782) (474 526) (216 866) (42) (8 529 215)
Loans and advances sold 0 0 (5 688) 0 (5 688)
Loans and advances written off (28) 0 (145 874) 0 (145 902)
Other (including FX differences) 416 681 23 673 52 879 0 493 233
Balance at the end of the period 16 146 941 1 561 156 1 025 973 59 18 734 129

Individuals: impairment allowances Stage 1 Stage 2 Stage 3 POCI Total
Balance at the beginning of the period 138 457 155 913 1 019 383 45 236 1 358 989
Transfers between stages 104 155 (63 724) (40 431) 0 0
Increase due to granting or purchase 118 639 0 0 0 118 639
Changes in credit risk (96 388) 168 869 412 356 (18 629) 466 208
Decrease due to derecognition (except exposures sold and written off) (20 503) (11 418) (85 880) 0 (117 801)
Sale of loans and advances 0 0 (54 513) 0 (54 513)
Loans and advances written off (176) (278) (83 362) 0 (83 816)
KOIM 0 0 34 400 0 34 400
Other (including FX differences) 1 228 2 164 16 420 0 19 812
Balance at the end of the period 245 411 251 527 1 218 373 26 607 1 741 918

Individuals: loans and advances balance sheet value, gross Stage 1 Stage 2 Stage 3 POCI Total
Balance at the beginning of the period 46 875 151 1 745 487 1 872 647 523 989 51 017 274
Transfers between stages (1 528 410) 939 828 588 582 0 0
Granted or purchased loans and advances 10 557 405 0 0 0 10 557 405
Repaid loans and advances (6 209 601) (314 359) (164 639) (124 597) (6 813 196)
Loans and advances sold 0 (7) (86 095) 0 (86 102)
Loans and advances written off (343) (1 334) (81 478) 0 (83 155)
Other (including FX differences) 1 042 165 26 049 176 162 0 1 244 377
Balance at the end of the period 50 736 367 2 395 665 2 305 179 399 392 55 836 603

Public sector: impairment allowances Stage 1 Stage 2 Stage 3 POCI Total
Balance at the beginning of the period 426 0 0 0 426
Transfers between stages 0 0 0 0 0
Increase due to granting or purchase 14 0 0 0 14
Changes in credit risk 1 134 1 698 0 1 833
Decrease due to derecognition (except exposures sold and written off) (31) 0 (4) 0 (35)
Other (including FX differences) 0 0 0 0 0
Balance at the end of the period 1 543 1 694 0 2 238

Public sector: loans and advances balance sheet value, gross Stage 1 Stage 2 Stage 3 POCI Total
Balance at the beginning of the period 192 483 13 0 0 192 496
Transfers between stages (5 554) 239 5 315 0 0
Granted or purchased loans and advances 92 657 0 0 0 92 657
Repaid loans and advances (10 588) (74) 0 0 (10 662)
Other (including FX differences) 2 0 0 0 2
Balance at the end of the period 269 000 178 5 315 0 274 492

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